Key figures for the selected year.
The model's causal graph for 2023. Inputs synthesize into the Economic Capital Ratio.
Impact on ECR in % points.
From the public annual report.
| Variable | × 1,000 USD |
|---|---|
| Cash and Cash Equivalents | 105,195 |
| Debt | 0 |
| Deposits | 682,635 |
| Depreciation and Amortization | 0 |
| General and Administrative Expense | 0 |
| Interest Expense | 0 |
| Interest Payable | 0 |
| Labor and Related Expense | 15,653 |
| Loans | 0 |
Calculated by the valuation model.
| Variable | × 1,000 USD |
|---|---|
| Assets | 3.66 |
| Liabilities | -0.846 |
| Stockholders Equity | 3.11 |
| ECR before LimitedLiability | 5.10 |
| Notes Receivable | 8.44 |
| Loans | -1.64 |
| Other Assets | -2.13 |
| Cash and Cash Equivalents | 0.994 |
| Other Liabilities | -2.02 |
| Deposits | -2.64 |
| Debt | 3.73 |
| Expenses | 4.68 |
| Revenues | -4.18 |
| Net Income | 0.999 |
| Operating Expenses | 2.72 |
| Selling and Marketing Expense | 0.930 |
| General and Administrative Expense | 1.14 |
| Other Revenues | -4.18 |
| Other Net Income | 0.891 |
| Comprehensive Net Income | 1.10 |
| Economic Capital Ratio | 3.20 |
Charts generated by the RealRate valuation model for this report year.
Distribution of each variable's impact on financial strength — green strengthens, red weakens.
How the company's key drivers have shifted across years.
Model-forecast valuation vs. observed market value.
